GreenStone Farm Credit Services, Flca: 2025 mortgage rates, costs & approvals
How GreenStone Farm Credit Services, Flca priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GreenStone Farm Credit Services, FLCA · LEI 549300461TECLDDGNF98
In 2025, GreenStone Farm Credit Services, Flca originated 719 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 590th by volume among the 2,017 lenders profiled here.
It denied 1.4% of completed home-purchase applications (all lenders: 8.5%).
How GreenStone Farm Credit Services, Flca priced home-purchase loans
| Purchase loans, 2025 | GreenStone Farm Credit Services, Flca | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.29 pts | +0.13 pts |
| Total loan costs · conventional | $8,700 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $5,480 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 14.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where GreenStone Farm Credit Services, Flca lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Michigan | 657 | 731 | 1.0% | — | $9,040 |
| Wisconsin | 60 | 71 | 3.2% | — | $5,260 |
| South Carolina | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
| Florida | 0 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open GreenStone Farm Credit Services, Flca's page for that state.
Counties where GreenStone Farm Credit Services, Flca is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Schoolcraft County, MI | 4 | 3 | 7.3% |
| Oceana County, MI | 6 | 13 | 4.6% |
| Ontonagon County, MI | 6 | 2 | 3.6% |
| Mecosta County, MI | 9 | 15 | 3.2% |
| Manistee County, MI | 9 | 8 | 2.9% |
| Clare County, MI | 9 | 12 | 2.9% |
| Benzie County, MI | 7 | 6 | 2.7% |
| Leelanau County, MI | 9 | 6 | 2.6% |
| Kalkaska County, MI | 7 | 6 | 2.6% |
| Isabella County, MI | 10 | 15 | 2.5% |
| Ionia County, MI | 10 | 22 | 2.5% |
| Door County, WI | 11 | 8 | 2.4% |
| Presque Isle County, MI | 9 | 2 | 2.4% |
| Oscoda County, MI | 11 | 2 | 2.2% |
| Barry County, MI | 13 | 19 | 2.1% |
Check GreenStone Farm Credit Services, Flca yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300461TECLDDGNF98.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from GreenStone Farm Credit Services, Flca with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology